CA2625808A1 - Apparatus and method for secure credit card processing infrastructure - Google Patents

Apparatus and method for secure credit card processing infrastructure Download PDF

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Publication number
CA2625808A1
CA2625808A1 CA002625808A CA2625808A CA2625808A1 CA 2625808 A1 CA2625808 A1 CA 2625808A1 CA 002625808 A CA002625808 A CA 002625808A CA 2625808 A CA2625808 A CA 2625808A CA 2625808 A1 CA2625808 A1 CA 2625808A1
Authority
CA
Canada
Prior art keywords
customer
transaction
merchant
transaction party
party
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Abandoned
Application number
CA002625808A
Other languages
English (en)
French (fr)
Inventor
Bo K. Engelbrecht
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Runtime AB
Original Assignee
Individual
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Priority claimed from SE0402808A external-priority patent/SE529383C2/sv
Application filed by Individual filed Critical Individual
Publication of CA2625808A1 publication Critical patent/CA2625808A1/en
Abandoned legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102—Bill distribution or payments
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/04—Billing or invoicing

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Finance (AREA)
  • General Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • Theoretical Computer Science (AREA)
  • Development Economics (AREA)
  • Computer Security & Cryptography (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
CA002625808A 2004-11-15 2005-11-10 Apparatus and method for secure credit card processing infrastructure Abandoned CA2625808A1 (en)

Applications Claiming Priority (5)

Application Number Priority Date Filing Date Title
US52286104P 2004-11-15 2004-11-15
US60/522,861 2004-11-15
SE0402808-0 2004-11-15
SE0402808A SE529383C2 (sv) 2004-11-15 2004-11-15 Anordning och förfarande för säker infrastruktur vid kreditkortsbetalningar
PCT/SE2005/001695 WO2006052203A1 (en) 2004-11-15 2005-11-10 Apparatus and method for secure credit card processing infrastructure

Publications (1)

Publication Number Publication Date
CA2625808A1 true CA2625808A1 (en) 2006-05-18

Family

ID=36336784

Family Applications (1)

Application Number Title Priority Date Filing Date
CA002625808A Abandoned CA2625808A1 (en) 2004-11-15 2005-11-10 Apparatus and method for secure credit card processing infrastructure

Country Status (6)

Country Link
US (1) US20090132413A1 (ja)
EP (1) EP1828866A1 (ja)
JP (1) JP2008521086A (ja)
AU (1) AU2005305398A1 (ja)
CA (1) CA2625808A1 (ja)
WO (1) WO2006052203A1 (ja)

Families Citing this family (24)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP2160864B8 (en) 2007-06-26 2012-04-11 G3-Vision Limited Authentication system and method
GB2459529A (en) * 2008-04-28 2009-11-04 Ice Organisation Online transaction authentication using two servers
US9715681B2 (en) 2009-04-28 2017-07-25 Visa International Service Association Verification of portable consumer devices
US8602293B2 (en) 2009-05-15 2013-12-10 Visa International Service Association Integration of verification tokens with portable computing devices
US9038886B2 (en) 2009-05-15 2015-05-26 Visa International Service Association Verification of portable consumer devices
US8534564B2 (en) 2009-05-15 2013-09-17 Ayman Hammad Integration of verification tokens with mobile communication devices
US8893967B2 (en) 2009-05-15 2014-11-25 Visa International Service Association Secure Communication of payment information to merchants using a verification token
US9105027B2 (en) 2009-05-15 2015-08-11 Visa International Service Association Verification of portable consumer device for secure services
US10846683B2 (en) 2009-05-15 2020-11-24 Visa International Service Association Integration of verification tokens with mobile communication devices
US10255591B2 (en) 2009-12-18 2019-04-09 Visa International Service Association Payment channel returning limited use proxy dynamic value
CN102754116B (zh) 2010-01-19 2016-08-03 维萨国际服务协会 基于令牌的交易认证
EP2681701A4 (en) 2011-03-04 2014-08-20 Visa Int Service Ass INTEGRATION OF PAYMENT OPTIONS IN SAFE ITEMS OF COMPUTERS
US9830595B2 (en) 2012-01-26 2017-11-28 Visa International Service Association System and method of providing tokenization as a service
EP2634738A1 (en) * 2012-03-02 2013-09-04 Alcatel Lucent Decentralized electronic transfer system
US10282724B2 (en) 2012-03-06 2019-05-07 Visa International Service Association Security system incorporating mobile device
US11449854B1 (en) * 2012-10-29 2022-09-20 Block, Inc. Establishing consent for cardless transactions using short-range transmission
US10163148B1 (en) 2013-11-13 2018-12-25 Square, Inc. Wireless beacon shopping experience
CA2931093A1 (en) 2013-12-19 2015-06-25 Visa International Service Association Cloud-based transactions methods and systems
US9922322B2 (en) 2013-12-19 2018-03-20 Visa International Service Association Cloud-based transactions with magnetic secure transmission
WO2015179637A1 (en) 2014-05-21 2015-11-26 Visa International Service Association Offline authentication
US9775029B2 (en) 2014-08-22 2017-09-26 Visa International Service Association Embedding cloud-based functionalities in a communication device
US10187363B2 (en) 2014-12-31 2019-01-22 Visa International Service Association Hybrid integration of software development kit with secure execution environment
WO2016166954A1 (ja) * 2015-04-16 2016-10-20 パナソニックヘルスケアホールディングス株式会社 服薬履歴管理方法、服薬履歴管理装置、および、服薬履歴管理プログラム
US11699157B1 (en) * 2020-09-30 2023-07-11 Chime Financial, Inc. Dynamic generation of digital messages with unique links for direct-to-merchant payments

Family Cites Families (14)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
GB9125540D0 (en) * 1991-11-30 1992-01-29 Davies John H E Access control systems
US5627355A (en) * 1994-07-13 1997-05-06 Rahman; Sam Transaction device, equipment and method for protecting account numbers and their associated personal identification numbers
US5715314A (en) * 1994-10-24 1998-02-03 Open Market, Inc. Network sales system
NZ526905A (en) * 1998-04-22 2005-02-25 Echarge Corp Method and apparatus for ordering goods, services and content over an internetwork
JP2001202416A (ja) * 1999-02-03 2001-07-27 Masanobu Kujirada 場所又は行為状況を要素とする取引システム
US20010047335A1 (en) * 2000-04-28 2001-11-29 Martin Arndt Secure payment method and apparatus
US7177849B2 (en) * 2000-07-13 2007-02-13 International Business Machines Corporation Method for validating an electronic payment by a credit/debit card
US7346577B1 (en) * 2000-08-28 2008-03-18 Javien Digital Payment Solutions, Inc. Third-party billing system and method
JP4676058B2 (ja) * 2000-11-10 2011-04-27 ヤフー株式会社 電子決済システム、代金決済方法、決済サーバ
US7318049B2 (en) * 2000-11-17 2008-01-08 Gregory Fx Iannacci System and method for an automated benefit recognition, acquisition, value exchange, and transaction settlement system using multivariable linear and nonlinear modeling
JP2002189967A (ja) * 2000-12-19 2002-07-05 Pfu Ltd 個人認証方法、個人認証装置および記録媒体
JP2002230455A (ja) * 2001-02-05 2002-08-16 E Bank Corp 電子決済処理システム及び電子決済処理方法
GB0202542D0 (en) * 2002-02-04 2002-03-20 Tth Man Ltd System for account authorisation
US20040054624A1 (en) * 2002-09-13 2004-03-18 Qi Guan Procedure for the completion of an electronic payment

Also Published As

Publication number Publication date
US20090132413A1 (en) 2009-05-21
AU2005305398A1 (en) 2006-05-18
EP1828866A1 (en) 2007-09-05
WO2006052203A1 (en) 2006-05-18
JP2008521086A (ja) 2008-06-19

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